15954 Via Broma

15954 Via Broma

Dbottom 20%

Rancho Santa Fe, CA 92091

$3,465,000
NEW — 0d

Pass at asking: -$20,163/mo full cashflow at 20% down, 7.43% rate.

Works at $839,829 (76% under asking); even all cash loses money at asking.

Rent $8,377/mo from 10 leases of 3-bed houses within 2 mi ($7,225–$9,979).

Beds

3

Baths

3

Sqft

2,177

Year Built

2022

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026561SD

This property is in Rancho Santa Fe (92091). Browse neighborhood analytics →

About This Property

Brand new modern construction, designed from the ground up around natural light and easy living. Soaring beamed ceilings and walls of windows pour sunshine into every room, from first cup of coffee to the last glow of evening. At the heart of the home, a two sided fireplace connects the great room to a large, covered outdoor living space, so the line between inside and outside disappears and San Diego's weather becomes part of the floor plan. The chef's kitchen is built for the way people actually gather, with an oversized island open to the living area so the cook is always part of the conversation. Wide plank English oak floors run throughout, adding warmth and continuity from room to room. Three large bedrooms and three full baths give everyone their own space. The main suite is the standout: step out to your own private patio facing directly east and start each day with some of the prettiest sunrises San Diego has to offer. Outside, the fully fenced and gated property is made for entertaining, with two fire pits, a generous covered patio, and plenty of room for friends, kids, and pets. Owned solar, not leased, means lower utility bills and nothing to transfer at closing. Membership in the La Valle Coastal Club is available and puts the golf course, spa, clubhouse, restaurant, pool, and pickleball, padel, and tennis courts an easy walk from your front door. A friendly neighborhood, a truly walkable lifestyle, and a brand new home that needs nothing.

Mortgage Calculator

Est. Monthly Payment

$23,725

Principal & Interest$19,250
Property Tax$3,465
Insurance$1,011
%($693,000)
%
Loan Term

Location

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Investment Score

0D
Est. Monthly Rent
$8,377

10 leases of 3-bed houses within 2 mi · $7,225–$9,979

Monthly Cashflow

Rent − PITIA

-$15,349
Full Cashflow

Incl. vacancy, PM, maint, capex

-$20,163

What would make this work?

$20,163/mo short at 20% down; +$26,185/mo rent closes it.

Break-even price

76% under asking

$839,829
Break-even rent

$26,185/mo above the estimate

$34,562/mo
Cashflow at 35% down
−$16,553/mo
Down payment to break even

Negative even all-cash

Not reachable
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$19,250
Cap Rate
-0.17%
Cash-on-Cash
-34.91%
DSCR

Need ≥ 1.25 for DSCR loan

0.35

NOI (Annual)
-$5,932
Price-to-Rent

Lower = better for investors

34.5

* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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DCashflow−$20,163/mo